طراحی مدل بازاریابی کارآفرینانه دیجیتال در نسل هزاره سوم در صنعت بیمه
کلمات کلیدی:
بازاریابی کارآفرینانه, بازاریابی دیجیتال, بازاریابی کارآفرینانه دیجیتال, نسل هزاره سوم, صنعت بیمه,چکیده
هدف: هدف این پژوهش طراحی و تبیین یک مدل جامع بازاریابی کارآفرینانه دیجیتال متناسب با ویژگیها و الزامات نسل هزاره سوم در صنعت بیمه است. روششناسی: این پژوهش از نظر هدف کاربردی و از نظر روش، آمیخته اکتشافی (کیفی–کمی) است. در مرحله کیفی، دادهها از طریق مصاحبههای نیمهساختاریافته با ۱۹ نفر از خبرگان، اساتید دانشگاهی و متخصصان صنعت بیمه با استفاده از نمونهگیری گلولهبرفی گردآوری شد و تحلیل دادهها بر اساس نظریه دادهبنیاد طی مراحل کدگذاری باز، محوری و انتخابی انجام گرفت. در مرحله کمی، بر مبنای مفاهیم و مقولههای استخراجشده، پرسشنامهای ۹۰ سؤالی تدوین و دادهها با استفاده از مدلسازی معادلات ساختاری مورد تحلیل قرار گرفت. یافتهها: نتایج تحلیل استنباطی نشان داد که مدل پیشنهادی از برازش مناسبی برخوردار است و تمامی روابط بین سازهها معنادار هستند. شرایط علّی اثر معناداری بر مقوله محوری داشت و مقوله محوری نیز بهطور معنادار بر راهبردها تأثیر گذاشت. همچنین راهبردها، شرایط مداخلهگر و بسترهای زمینهای تأثیر معناداری بر پیامدها داشتند. در میان ابعاد مقوله محوری، استفاده از دادهها و تحلیل دادهها بالاترین ضریب مسیر را نشان داد و نوآوری در محصولات بیمه و ارتباطات دیجیتال در رتبههای بعدی قرار گرفتند. نتیجهگیری: یافتهها حاکی از آن است که بازاریابی کارآفرینانه دیجیتال در صنعت بیمه پدیدهای چندبعدی و ساختاریافته است که موفقیت آن مستلزم همافزایی نوآوری محصول، قابلیتهای دادهمحور و ارتباطات دیجیتال در بستر تحولات اجتماعی، اقتصادی و فناورانه است.
دانلودها
مراجع
Ahmad, S., Karim, R., Sultana, N., & Lima, R. P. (2025). InsurTech: Digital Transformation of the Insurance Industry. In Financial Landscape Transformation: Technological Disruptions (pp. 287-299). Emerald Publishing Limited. https://doi.org/10.1108/978-1-83753-750-120251016
Alizadeh, H., & Jalali Filshour, M. (2023). Proposing a Mixed Model of a Digital Marketing in the Financial Services Sector with an Emphasis on Artificial Intelligence Tools. 30th National and 11th International Conference on Insurance and Development,
Almasi, F., Mohammadifar, Y., & Jamshidi, M. J. (2024). Conceptualization of Digital Marketing Development Capabilities Indicators of Insurance Industry in Iran. Public Management Researches, 17(63), 241-272. https://jmr.usb.ac.ir/article_8204.html?lang=fa
Asannejad, B., Jalali, S. M., & Tabrizian, B. (2022). A Model for Digital Marketing Based on Value Creation in Iranian Insurance Industry. BI Management Studies, 10(40), 77-108. https://doi.org/10.22054/ims.2022.63701.2062
Azhdari, M., Amiran, H., & Edalatian Shahriari, J. (2023). Designing an organizational entrepreneurship model effective on the financial performance of insurance companies with an emphasis on customer satisfaction (Case study: Parsian insurance company). International Journal of Nonlinear Analysis and Applications, 14(12), 145-158. https://ijnaa.semnan.ac.ir/article_7434.html
Bahrami, A., Haghighi Kafash, M., & Hajikarimi, B. (2022). Presenting a Marketing Model for Insurance Technology (Insurtech) for Startups in the Insurance Industry. Modern Marketing Research Journal, 12(1), 197-216. https://nmrj.ui.ac.ir/article_26771.html
Baranauskas, G., & Raišienė, A. G. (2021). Reflections on the customer decision-making process in the digital insurance platforms: An empirical study of the Baltic market. Applied Sciences, 11(18), 8524. https://doi.org/10.3390/app11188524
Bayati, M. M., Hadizadeh, A., & Bahramzadeh, M. (2023). Investigating the relationship between online relational marketing and satisfaction through online trust. Essays in Management, 2(1), 1-18. https://doi.org/10.22034/jsm.2023.404180.1012
Braun, A., & Jia, R. (2025). InsurTech: Digital technologies in insurance. The Geneva Papers on Risk and Insurance-Issues and Practice, 1-7. https://doi.org/10.1057/s41288-024-00344-x
Ebrahimi, A., Askarifar, K., & Nikbakht, A. (2024). Designing and evaluating insurance customer loyalty programs for different customer groups based on their lifetime value. Journal of Financial Services Marketing, 29(3), 808-825. https://doi.org/10.1057/s41264-023-00242-8
Ganji, S. (2023). An examination of the dimensions of the entrepreneurial ecosystem in Iran's insurance economy. Seventeenth International Conference on Management, Economics, and Development,
Haghighi Kafash, M., Bahrami, A., & Hajikarimi, B. (2023). Presenting an insurance technology (InsurTech) marketing model for startups in the insurance industry. Modern Marketing Research, 12(1), 197-216.
Haghighi Kafash, M., Bahrami, Amir, Haji Karimi, Babak. (2022). Providing a Marketing Model Insurance Technology ‘Insurtech’ for Start-up Businesses in the Insurance Industry. New Marketing Research Journal, 12(1), 197-216. https://doi.org/10.22108/nmrj.2022.131270.2577
Hassan, M. S., Islam, M. A., Abdullah, A. B. M., & Nasir, H. (2024). End-user perspectives on fintech services adoption in the Bangladesh insurance industry: The moderating role of trust. Journal of Financial Services Marketing, 29(4), 1377-1395. https://doi.org/10.1057/s41264-024-00268-6
Heydari, M. M., Amraei, B., Tavasoli, M., & Biranvand, F. (2022). Examining the impact of entrepreneurial leadership and social capital on company performance with the mediating role of innovation capability in Iran Insurance. Proceedings of the Fifth International Conference on Interdisciplinary Studies in Management and Engineering, Tehran.
Jahed, A., Abedi, E., & Saeednia, H. (2024). Explanation and validation of the coordination model of the marketing and sales department in the insurance industry in Iran. Journal of value creating in Business Management, 4(1), 123-141. https://doi.org/10.22034/jvcbm.2024.414360.1171
Jalali Filshour, M., & Alizadeh, H. (2022). Presenting a digital marketing model based on artificial intelligence in the field of financial services with a data foundation approach. The First National Conference on Digital Transformation, Banking and Insurance,
Karimzadeh, N., Esmaeilpour, M., & Bahrainizad, M. (2021). The Impact of the Corporate Social Responsibility on Customer Satisfaction through the Awareness and Reputation of Brands and Trust in them. Journal of Busines Administration Researches, 13(25), 235-260. https://www.magiran.com/paper/2347377
Kolajahi, A. (2023). Investigating the impact of business intelligence on marketing based on collaborative learning methods (Case study: Insurance companies in East Azerbaijan Province). Fifth International Conference on Management and Industry,
Lusianti, D., Widodo, W., & Mulyana, M. (2024). Mas' uliyah Society Brand Resonance: Enhancing Sustainable Marketing Performance of the National Health Insurance Program. Qubahan Academic Journal, 4(3), 619-637. https://doi.org/10.48161/qaj.v4n3a976
Masi, F., Mohammadi Far, Y., & Jamshidi, M. J. (2024). Conceptualization of Digital Marketing Capability Development Indicators in the Insurance Industry in Iran. Public Management Research, 17(63), 241-272. https://jmr.usb.ac.ir/article_8204.html?lang=en
Nain, J. (2025). The Future of InsurTech: CRM as a Catalyst for Embedded Insurance Models. International Journal of Science and Research Archive, 14(2), 1073-1087. https://doi.org/10.30574/ijsra.2025.14.2.0489
Rabiei, M., Shahroodi, K., Chirani, E., & shabgoo monsef, s. m. (2024). the competencyies of future marketing specialists for the development of the insurance industry. Journal of Business Administration Researches, no(no), 111-139. https://doi.org/10.22034/jbar.2024.19759.4288
Rabiei, M., Shahroudi, Kambiz, Chirani, Ebrahim, Shabgo Monsef, Mahmoud. (2023). Designing a model for the qualifications of marketing professionals in the insurance industry using data base theory. Insurance research paper, 12(2), 93-110. https://doi.org/10.22056/ijir.2023.02.02
Rashidi Fard, S. M., Safari, S., & Habibi Rad, A. (2021). Identifying and Prioritizing Criteria for Evaluating Entrepreneurial Opportunities in the Insurance Industry (Case Study: Parsian Insurance). Scientific and Research Quarterly on Insurance, 36(1), 3-57. https://www.sid.ir/paper/992082/en
Ricky, S. (2025). Investigating drivers of Insurtech adoption intentions. Journal of Strategic Marketing, 15(1), 17-29. https://www.aasmr.org/jsms/Vol15/No.1/Vol.15.No.1.17.pdf
Shrestha, L. S., Alsadoon, A., Prasad, P. W. C., Venkata, H. S., & Elchouemi, A. (2019). Rise of Social Media Marketing: A Perspective on Health Insurance. 2019 5th International Conference on Advanced Computing and Communication Systems, ICACCS 2019,
Sionani, H., Namamian, F., Ghabadi, T., Asghari Sarem, A., & Eslambolchi, A. (2023). Modeling Information Technology-Based Marketing in the Insurance Industry (Case Study: Iran Insurance Company). Advertising and Sales Management Journal, 4(4). http://journalie.ir/Article/45421
Valimi, F., Fatahi, M., & Ranjbar, M. (2021). Designing a model of marketing strategies in Hafez Atieh Sazan Insurance Company. Iranian Journal Of Health Sciences. https://doi.org/10.18502/jhs.v9i1.5970
دانلود
چاپ شده
ارسال
بازنگری
پذیرش
شماره
نوع مقاله
مجوز
حق نشر 2025 Elham Tajik Baghkhavas, Seyed Hossein Shakertaheri, Ali Esmaeilzadeh Maghari, Mohammad Reza Kabaranzadeh Ghadim (Author)

این پروژه تحت مجوز بین المللی Creative Commons Attribution-NonCommercial 4.0 می باشد.